TellerScore

Headquartered in Seal Beach, California, Sea Air Federal Credit Union is a federal credit union with $118.8M in total assets and $90.8M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1952.

Sea Air Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 156th. Capital cushion contributes the most (100/100, 23.39%); earnings contributes the least (0/100, -0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.39%
Loan quality38/100
Loans 60+ days delinquent ÷ total loans: 1.87%
Earnings0/100
Return on assets (annualized): -0.69%
Funding & liquidity100/100
Loans ÷ shares: 49.6% · 5.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 13 points (77 → 64), mostly because the loan quality component weakened by 52 points.

TellerScore
566778Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202465
Q4 202465
Q1 202573
Q2 202577
Q3 202578
Q4 202556
Q1 202664
Q2 202664
Net worth ratio
7.00%15.76%24.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.52%
Q3 202424.24%
Q4 202424.14%
Q1 202523.78%
Q2 202524.06%
Q3 202524.11%
Q4 202524.02%
Q1 202623.70%
Q2 202623.39%
Delinquent loans (60+ days)
0.22%1.49%2.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20241.81%
Q4 20241.74%
Q1 20250.82%
Q2 20250.31%
Q3 20250.22%
Q4 20252.75%
Q1 20261.84%
Q2 20261.87%
Return on assets
-1.20%-0.93%-0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.80%
Q3 2024-0.94%
Q4 2024-0.91%
Q1 2025-1.20%
Q2 2025-1.05%
Q3 2025-0.96%
Q4 2025-0.97%
Q1 2026-0.67%
Q2 2026-0.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$118.8M23.39%1.87%-0.69%49.6%
Q1 202664$118.2M23.70%1.84%-0.67%52.7%
Q4 202556$117.4M24.02%2.75%-0.97%54.3%
Q3 202578$118.3M24.11%0.22%-0.96%52.2%
Q2 202577$119.4M24.06%0.31%-1.05%52.4%
Q1 202573$121.9M23.78%0.82%-1.20%46.5%
Q4 202465$121.6M24.14%1.74%-0.91%47.0%
Q3 202465$122.2M24.24%1.81%-0.94%46.7%
Q2 202474$122.3M24.52%0.75%-0.80%47.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio23.39%
99th
Problem loans1.87%
7th
Net charge-offs0.48%
37th
Return on assets-0.69%
1st
Loans to deposits49.6%
90th
Uninsured deposits5.0%
59th
Loan-loss reserves0.00%
50th
Texas ratio3.2%
59th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
United Local Credit UnionCredit union Fresno, CA79 out of 100, Strong$119.3M20.1%0.20%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
LA Loma Federal Credit UnionCredit union Loma Linda, CA70 out of 100, Strong$116.6M9.7%0.22%vs
Thinkwise Federal Credit UnionCredit union San Bernardino, CA47 out of 100, Below average$122.8M8.6%1.48%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
First California Federal Credit UnionCredit union Fresno, CA78 out of 100, Strong$109.7M10.6%0.98%vs

Deposit insurance

Is my money safe at Sea Air Federal Credit Union?

Yes. Sea Air Federal Credit Union is a federally insured credit union (NCUA charter #7817). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.0% of shares and deposits ($4.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 23.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Sea Air Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sea Air Federal Credit Union
Type
Federal credit union
NCUA charter #
7817
RSSD ID
93981
Primary regulator
NCUA
Established
1952
Headquarters
PO Box 2648, Seal Beach, CA 90740
Employees
16

Quick answers

Sea Air Federal Credit Union: common questions

Is Sea Air Federal Credit Union NCUA insured?

Yes. Sea Air Federal Credit Union is a federally insured credit union (NCUA charter #7817). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Sea Air Federal Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Sea Air Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Seal Beach

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs